Trupanion | Pet Insurance Review


out of 5

Number of reviews 55,265

  • 60 Days
  • 1 Year
  • Lifetime
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  • 4.8
  • 4.8
  • 4.8
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Updated: November 13, 2023

Pets can be full of surprises-so their insurance coverage shouldn’t be. That’s why Trupanion is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1 Based on a November 2020 internal study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. * Terms and Conditions apply. Policy details vary by state, please review your states policy for full coverage details. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit to review all available pet health insurance products. Source: Survey commissioned by dvm360, from April 19-June 9, 2022

out of 5

POSTED: | BY: Tara Minogue

I recommend Trupanion to every pet owner I know

A few months ago we adopted brother and sister twin kittens. Being a new pet owner I was new to the idea of pet insurance. I was offered a free 30 day trial of Trupanion and decided to give it a try. Not even two weeks later, I came home to find one of my cats, Roku, extremely sick. He had vomited and barely had enough energy to lift his head from where he was lying. Our vet recommended bringing him into the clinic immediately. After being examined, Roku’s blood pressure was dangerously low and the vet was concerned. To complicate matters it was Friday and the vet clinic was closed for the weekend. At my vet’s recommendation I took Roku to an emergency clinic where they had to perform emergency surgery for a possible blocked intestine. They had strong suspicions that he might have swallowed a foreign object or that he had contracted FIP (feline intestinal paracytosis) which is a deadly disease in cats. So one surgery and multiple tests later, the clinic bill had skyrocketed to over $4000. Not exactly the kind of money you keep lying around. I was freaked out by the bill but knew that I had the Trupanion trial. After submitting my claim, I was reimbursed for 90% of the entire bill, no questions asked. I had the check in my hands before the charge was even printed on my credit card statement. All of this and I hadn’t even made my first monthly payment to Trupanion. Roku completely recovered from his surgery and is totally healthy today. Who knows how things would have gone

out of 5

POSTED: | BY: Erin

They've been great.

I have a 2 yr old lab cross. Diagnosed with lymphoma at 18 months. Trupanion has covered all diagnostics and chemotherapy treatment costs (except examinations).

out of 5

POSTED: | BY: Sherry Stachowiak


A little slow at getting back to me inregards to claim but once fininshed the results where great.Thanks again, Sherry

out of 5

POSTED: | BY: alison comer

thank you

You guys are amazing. i had breezer at the vet on the weekend and on monday morning i had a reply from you stating how much I get back. It is less then 24 response. I know that when ever breezer has to go to the vet that it will not cost me my pay check as i will get money back from the insurance. You guys always respond to my vet and help with questions!! i would tell every one about you guys as it well worth the money. I spent over 5000 on an animal before and had to put them down and did not have insurance. My animals are worth so much to me and would do anything for them but knowing i have insurenace is awesome. We have isurance for our self why not for our animals they are part of our family.

out of 5

POSTED: | BY: Diana

leg surgery on 7 month old puppy paid

I have never had pet insurance, and have not owned a dog for many years. I compared companies and had one recommendation for Trupanion. Due to price, I went with them. My 7 month old Pembroke Corgi had a limp that had not gotten better and had a diagnosis where one of his leg bones was not growing. This meant major surgery. And I got him from a highly recommended AKC breeder. Trupanion was very quick to review and pay. They cover 90% less other visits that are not covered. It came to around 15% that was not covered. Advise to pet owners on the fence re. getting insurance. If the dog is an investment and a major part of the family, think about getting the insuracne from the first day. I thought the leg issue would be just a sprain or something- Who knew. Surgery is giving my puppy the best option for a good future.

Monthly Cost

Your monthly premium is determined by multiple factors including your pet’s species, gender, breed, age, zip code, and the deductible amount you choose if your policy allows.


Depending on your plan, the Trupanion policy pays up to 100% of your vet bill for all eligible expenses. There are unlimited payout limits, always and Trupanion will never increase or cancel your coverage because of claims you submit. Coverage includes new accidents and illnesses, hereditary, congenital, and chronic conditions, diagnostic tests, hospital stays, and much more. Trupanion prides itself on paying out more on the dollar than any other provider and has paid out nearly $2 billion in claims to date.

Payout Limits

The Trupanion policy* has no payout limits, so whether your pet needs one quick visit or a lifetime of care, your coverage won’t quit. That can mean a big difference if your pet develops a chronic condition requiring extended care like allergies, diabetes, or even cancer.


If your Trupanion policy has a deductible, you can customize it to fit your budget. You can choose from $50 to $1,000 in increments of $5, or choose to have no deductible at all. Trupanion deductibles are per-condition and good for the life of your pet. That means no annual resets-once a deductible is met, you never have to pay the deductible for that condition again.

Age Limits

All new pets can enroll from birth until their 14th birthday. Once your pet is enrolled, they can be enrolled for life

Waiting Period

Waiting periods vary by state. Please see your states policy for full coverage details. However, other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.


Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like many other pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! * Terms and Conditions apply. Coverage may vary by state. Not all veterinarians accept direct payment. Ask your veterinarian about Trupanion Vet Direct Pay. Underwritten in Canada by Omega General Insurance Company and GPIC Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit to review all available pet health insurance products.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. We’re committed to sharing industry data, supporting animal welfare organizations, and working with federal and state regulators to help more pets get better care. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience Nearly $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals

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